Gallatin County, Illinois: hazard risk
FEMA rates Gallatin County's overall risk Very Low (score 33.9 of 100, higher than 33% of rated U.S. counties). Its storm record holds 774 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively Moderate | 71.6 | $366K |
| Strong Wind | Relatively Moderate | 64.0 | $515K |
| Earthquake | Relatively Low | 84.5 | $1.7M |
| Heat Wave | Relatively Low | 71.6 | $624K |
| Ice Storm | Relatively Low | 48.6 | $50K |
| Winter Weather | Relatively Low | 46.5 | $36K |
| Tornado | Relatively Low | 37.0 | $475K |
| Riverine Flooding | Relatively Low | 36.0 | $2.7M |
| Cold Wave | Relatively Low | 32.6 | $300K |
| Hurricane | Very Low | 35.7 | $14K |
| Hail | Very Low | 32.8 | $85K |
| Lightning | Very Low | 14.8 | $32K |
| Landslide | Very Low | 14.3 | $35 |
| Wildfire | Very Low | 1.2 | $312 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Floods | 171 | 0 | $4.4M | 5th of 102 | 26th of 3,080 |
| Winter storms | 111 | 0 | $922K | 10th of 102 | 251st of 3,077 |
| Heat | 85 | 1 | – | 7th of 102 | 39th of 3,076 |
| Extreme cold | 76 | 0 | $34K | 7th of 102 | 29th of 3,076 |
| High wind and dust storms | 68 | 0 | $2.2M | 8th of 102 | 118th of 3,080 |
| Severe thunderstorm wind | 65 | 0 | $6.2M | 78th of 102 | 1530th of 3,080 |
| Hail | 32 | 0 | $4K | 97th of 102 | 2071st of 3,080 |
| Drought | 29 | 0 | $4.9M | 10th of 102 | 399th of 3,063 |
| Tornadoes | 12 | 0 | $2.4M | 94th of 102 | 1496th of 3,080 |
| Heavy rain | 9 | 0 | – | 11th of 102 | 313th of 3,080 |
| Lightning | 2 | 0 | $154K | 34th of 102 | 1068th of 3,080 |
| Wildfires | 1 | 0 | $11K | 4th of 102 | 694th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Gallatin County record: every hazard by year and month, the deadliest events and FEMA's declarations.